Re: Dell or Best Buy credit

Our BK was discharged in Sept of 07 and Best Buy just turned us down for a $500 laptop. Did you try one or the other yet? We really need a new computer too but I don't want to take another FICO hit by applying and being turned down at Dell too. We can pay it off when we get our tax return but I need to load last year's turbo tax onto a pc to prepare this year's return - talk about a catch 22!

There are other options. File the return via TurboTax website. If and when you get monies back after filing, go back to Best Buy and pay cash.

Re: Dell or Best Buy credit

jean615 wrote:DO NOT buy thru dell..I bought a computer from them at least three years ago and because I do the minimum of twenty two dollars a month the amount NEVER goes down due to HIGH interest rate. In my opinion I have purchased three of these computer's by now!!

This is the case with almost any account if you pay the min payment. Unless you get a No interest for x months with best buy , You will have the same results on paying a min payment every month. Dell Outlet was suggested because the bang for your buck goes alot farther there than if you buy a computer from best buy .

Re: Dell or Best Buy credit

jean615 wrote:DO NOT buy thru dell..I bought a computer from them at least three years ago and because I do the minimum of twenty two dollars a month the amount NEVER goes down due to HIGH interest rate. In my opinion I have purchased three of these computer's by now!!

This is the case with almost any account if you pay the min payment. Unless you get a No interest for x months with best buy , You will have the same results on paying a min payment every month. Dell Outlet was suggested because the bang for your buck goes alot farther there than if you buy a computer from best buy .

I bought my $400 Acer laptop from Bestbuy. I connect it to my t.v. to use as a dvd player and haven't had any problems with it.

I personally don't buy any Dell products. I ordered a laptop from them several years ago while in college. When I received the laptop, the battery didn't work. I sent the laptop back and was still charged a shipping fee. To protect my credit, I paid it. I will never do business with Dell. Get the computer from Best Buy is a better choice.

Re: Dell or Best Buy credit

I usually don't buy much from Best buy, because they aren't usually the "best buy", for local stores I find target or walmrt or even sears to be cheaper almost always, of course Dell was cheaper than all of them. I have bought 3 laptops and 1 desktop from Dell and have never had any problems, also the last two places I worked bought all their computers from Dell as well, and always had great service. Of course because it is bought from a distance returning it would be more difficult than dropping it off at a store.

Re: Dell or Best Buy credit

jean615 wrote:DO NOT buy thru dell..I bought a computer from them at least three years ago and because I do the minimum of twenty two dollars a month the amount NEVER goes down due to HIGH interest rate. In my opinion I have purchased three of these computer's by now!!

This is the case with almost any account if you pay the min payment. Unless you get a No interest for x months with best buy , You will have the same results on paying a min payment every month. Dell Outlet was suggested because the bang for your buck goes alot farther there than if you buy a computer from best buy .

I bought my $400 Acer laptop from Bestbuy. I connect it to my t.v. to use as a dvd player and haven't had any problems with it.

I personally don't buy any Dell products. I order a laptop from them several years ago while in college. When I received the laptop, the batter didn't work. I sent the laptop back and was still charged a shipping fee. To protect my credit, I paid it. I will never do business with Dell. Get the computer from Best Buy is a better choice.

Message Edited by DI on 01-15-2010 09:21 AM

I have to agree with you in one area , We bought a laptop package from dell $400 came with the laptop,a printer,mouse and bag . I have been pleasantly surprised with the laptop.

I bought a dell desktop from the outlet . Came with full warranty for 2yrs including next day service. (meaning they will come to my house to fix my computer) and it didnt cost me anything extra. The dell outlet makes some computers affordable to people who otherwise could not afford the computer they really want. My computer new from dell would have cost me close to 2k . I got it for 900 bucks delivered . So i guess its all really in what you want out of your computer

Re: Dell or Best Buy credit

The ony thing I do on my laptop is check accounts, emails, buy mp3 songs and watch dvd's. So there was no need for me to go out and get a really expensive computer. I even requested a lower Internet speed from my cable provider to pay a cheaper amount for the Internet. That's working fine too. It's all about saving more and spending less with me.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair
organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or
assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.